Talking about CCRIS report, if anyone nearby BNM, I would highly recommend to pay a visit and get your own CCRIS report.
It is free, just insert your Mykad into the kiosk, verify your thumb print, your FULL credit report is printed instantly. 

I took a look on my report...Wow all my credit cards, OD and loans from all the banks are listed in one place.
I was a bit shocked to see the total credit limits added from all the cc and banks. Wow, such a huge sum (when it all adds up.)
Imagine if I burst the total credit limits from all banks, wow it will cause me a long time of my future incomes to pay off!
In short it is a report of our total credit exposure.

Bank is looking at the exact same report if one is applying for new cc.
They will match this with our total incomes to assess the risk.
They don't want to get a new card holder that will default in paying card outstanding balance.

Besides the total loans, credit limits, outstanding balances, the report also show if there is any arrears installment of the past year.
Kinda interesting report. 

Oh my beloved OCBC Ti.

I use it more often than Maybank2Card AmEx due to higher acceptance rate for MasterCard.

i just collect my titanium card today...dun tell me my new card is soon to be legacy